Peoples Bank (FDIC #9366): Bank Stress & Real-Estate Credit Exposure

Peoples Bank (FDIC Cert #9366): bank stress 35/100, contained, STABLE over 7 days; parent PEOPLES BANCSHARES INC.

Peoples Bank (#9366) lends in 3 counties across 1 state; Peoples Bank (#9366) reaches 28 ZIP codes: Mississippi 3 counties, 28 ZIPs.

Peoples Bank (#9366) largest markets: Rankin County, MS (14 branches, 14 ZIPs) (#9366), Simpson County, MS (20 branches, 10 ZIPs) (#9366), Covington County, MS (8 branches, 8 ZIPs) (#9366).

Peoples Bank (#9366) reports $503.5 million in total assets; Peoples Bank (#9366) equity $56.4 million (11.2% of Peoples Bank (#9366) assets); Peoples Bank (#9366) domestic deposits $445.0 million; Peoples Bank (#9366) net income $9.8 million; Peoples Bank (#9366) return on assets 3.96%; Peoples Bank (#9366) return on equity 36.10%; Peoples Bank (#9366) net interest income $14.9 million; Peoples Bank (#9366) call report June 30, 2026.

Peoples Bank (#9366) noncurrent real-estate loans 0.05% of its book; Peoples Bank (#9366) residential 0.09%; Peoples Bank (#9366) net charge-offs on real estate 3.08%; Peoples Bank (#9366) residential charge-offs 3.12%.

Peoples Bank (#9366) net interest margin 6.63% against an eight-quarter Peoples Bank (#9366) average of 6.98% (Peoples Bank (#9366) compression 0.35 points); Peoples Bank (#9366) real-estate loans 5.5% of equity; Peoples Bank (#9366) non-residential real estate 312.5% of equity; Peoples Bank (#9366) rate-exposure score 40/100, Peoples Bank (#9366) fixed-rate trap 40/100; Peoples Bank (#9366) risk type rate trapped; Peoples Bank (#9366) rate regime rates elevated, Peoples Bank (#9366) snapshot October 20, 2026.

Peoples Bank (#9366) stress score moved from 37.9 on June 22, 2026 to 35.1 on October 20, 2026; Peoples Bank (#9366) ranged 35.1 to 37.9 over 117 snapshots.

Peoples Bank (#9366) alerts: 3 counties; top Peoples Bank (#9366) alert scores: Collins County, MS 16 (low); Mendenhall County, MS 16 (low); Richland County, MS 16 (low).